By Jenni Boucher
Most Florida
homeowners have some type of protection for the windows and doors of their home
in the event of a tropical storm or hurricane. Any home that was permitted
after February 28, 2002 is required to have some type of opening protection per
the Florida Building Code. Many homeowners have opted for impact-resistant
windows and doors to help protect their home, but this can be a very expensive
upgrade for older homes. The most budget-friendly way to protect your doors and
windows is with hurricane shutters.
The least expensive
shutters to install are made from plywood. These shutters can easily be made
and ready to install over a weekend. While they are inexpensive, they are also
the least attractive way to protect your openings. When the shutters aren’t in
use, they must be stored on-site and the bolts around the windows and doors
used to secure the shutters will be visible year-round. They are also heavy,
and can be a challenge for many people to install with a storm on the way. Per the Florida Building Code, plywood shutters can only be used for openings less than 8'-0" wide. According to Florida’s Foundation, a state-run non-profit organization
dedicated to helping homeowners protect their home in the event of a storm,
these shutters can get you up to a 35% discount on your property insurance
premiums.
If you don’t want
to build plywood shutters, there are a variety of other shutter options on the
market to fit your needs. Prices range from inexpensive to very expensive, and
there are a large range of style, material, and color choices to choose from.
Some styles of shutters, like composite panels, must be stored on-site and
installed like plywood shutters, but are many times lighter and stronger. Other
types, like roll-down cloth or metal shutters, are left up all year long and
are typically very easy to engage in the event of a storm. Depending on the
model, these can look like a big box over all of your openings or they can
blend seamlessly into the architecture of your home. These shutters can get you
up to a 44% discount on your property insurance premiums.
Whether you build
your shutters or buy them, it is critically important to have some type of
protection for your openings in the event of a storm. Most hurricane damage is
caused by wind and water intrusion after the windows & doors of a home have
been compromised. Once this happens, forces called “uplift” could literally lift
the roof off of your home, causing a catastrophic structural failure. Don’t let
that happen to you; make sure your openings are protected!
Hurricane shutters are on the majority of homes in western europe. The shutters will protect your property. Do not equate property protection with self protection, or comfort.
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